Skip nav to main content.
2nd Mortgages

"Very good service, quick, easy and personalized to help your situation."

- Candy



A fixed-rate loan that is secured by the equity in your home. It is sometimes called a home equity loan. It enables you to use the existing equity in your home to receive a lump sum amount after closing.

Best Rate: 7.55% APR1

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Advanced Options

Why get your 2nd Mortgage from HFS?

Consolidate high-interest debt, remodel your home, pay off medical expenses, pay for college and more! A second mortgage allows you to painlessly access money in the equity of your home when you need it. You may be able to even deduct the interest on your taxes.2


Competitive fixed interest rates


Terms up to 15 years


Borrow up to 80% of the appraised value of the home minus the first mortgage balance


Low closing costs


No prepayment penalties

We are always helped in a professional and courteous manner. The staff is exceptional and really go out of their way to be helpful.

— Patricia

Additional info


Get one-on-one help today by contacting the Credit Union and asking for a Loan Officer.

View a list of our Mortgage Loan Originators.

Download the Mortgage Packet to get started.

Frequently Asked Questions

  • Visit your nearest HFS office and request a mortgage packet or download the documents here. The packet contains the information and documents you’ll need to get started. If you have further questions, please call the Credit Union at (808) 930-1400 or set up an appointment with a Loan Officer.

  • Yes, this is a requirement for all HFS Mortgages.

  • Yes. Both borrowers must have their own account with HFS where they are the primary account holder. For example, a joint member on an account would need to open their own account where they are the primary member.

  • Due to the nature of Trust Accounts, these loans will need to be reviewed by legal counsel. Please note that these loans have a lengthier processing time.


Drop us a message anytime with your questions or schedule an appointment with a loan officer.

  • 1 APR= Annual Percentage Rate is based on a maximum of 80% loan to value and includes a $200.00 document preparation fee. Member is responsible for all expenses incurred to secure the loan. APR does not include prepaid interest. Maximum loan amount of $822,375. Subject to credit approval.
    2Consult your tax advisor.

    SAFE Act Information

    On July 28, 2010 the Nation Credit Union Administration (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Upon completing this registration, each MLO is provided with a Unique Identifier number from the NMLS. An MLO must provide this Unique Identifier number to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

    Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.